Vista Point Mortgage in Alabama vs the state
23.5%Denial rate+3.68 pts vs state
28.6%Decision denial rate+3.57 pts vs state
58.8%Origination rate+3.43 pts vs state
7.81%Median rate+1.31 pts vs state
1.63Rate spread (pts)+1.34 pts vs state
$163kMedian applicant income
10Loans originated
4Denied
What Vista Point Mortgage lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Vista Point Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 4 | 3 | 1 | 25.0% |
| Baldwin County | 3 | 3 | 0 | 0.0% |
| Madison County | 3 | 1 | 1 | 33.3% |
| Tuscaloosa County | 1 | 0 | 1 | 100.0% |
| Mobile County | 1 | 1 | 0 | 0.0% |
| Macon County | 1 | 0 | 1 | 100.0% |
| Limestone County | 1 | 0 | 0 | 0.0% |
| Shelby County | 1 | 1 | 0 | 0.0% |
| Calhoun County | 1 | 1 | 0 | 0.0% |
| Monroe County | 1 | 0 | 0 | 0.0% |
Other large lenders in Alabama
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Regions Bank | C | 11,871 | 37.2% | 4.99% |
| Rocket Mortgage | C | 9,941 | 20.5% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 8,461 | 41.4% | 9.50% |
| United Shore Financial Services | B | 7,689 | 12.0% | 6.13% |
| 21st Mortgage | F | 6,507 | 46.0% | 9.98% |
| Mortgage Research Center | C | 5,107 | 18.4% | 6.25% |
| REDSTONE Federal Credit Union | C | 4,548 | 18.9% | 8.13% |
| Dhi Mortgage Company | B | 3,909 | 17.5% | 4.99% |
| Freedom Mortgage | B | 3,725 | 8.7% | 6.25% |
| Pennymac Loan Services | C | 3,611 | 11.6% | 6.25% |
Frequently asked questions
Alabama: 17 applications in 2025, of which 10 were originated and 4 denied.
23.5% of all applications, or 28.6% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Vista Point Mortgage originated in Alabama in 2025 was 7.81%, against a statewide median of 6.50%.
About this data. Figures are Vista Point Mortgage's own HMDA filing for properties located in Alabama, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology